Consolidated Statements of Cash Flows (Unaudited) (USD $) In Thousands	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Cash flows from operating activities:
Net income	$ 1,406	$ 1,117
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses	60	60
Depreciation and amortization	140	153
RRP and other expenses	51	40
Net amortization of securities	197	0
Gain (loss) on sale of assets	(178)	1
Loans held for sale-originated	(1,766)	(3,026)
Loans held for sale-sold	1,766	3,026
Decrease in prepaid expenses and accrued income	1,119	74
Decrease in interest payable and other liabilities	(159)	(61)
Total adjustments	1,230	267
Net cash provided by operating activities	2,636	1,384
Cash flows from investing activities:
Sales, maturities and paydowns of securities available for sale	20,170	6,610
Purchase of securities available for sale	(22,523)	(3,145)
Sales, maturities and paydowns of securities held to maturity	136	14
Net increase in loans	(4,324)	(8,908)
Purchase of premises and equipment, net	0	(25)
Proceeds from sale of other assets	11	31
Net cash (used) by investing activities	(6,530)	(5,423)
Cash flows from financing activities:
Net decrease in deposits	(16,587)	(12,640)
Proceeds from stock offering - net of costs	2,717	0
Proceeds from stock options exercised	26	0
Dividends paid	(155)	(124)
Net cash used by financing activities	(13,999)	(12,764)
Net decrease in cash and cash equivalents	(17,893)	(16,803)
Cash and cash equivalents at beginning of period	48,702	33,514
Cash and cash equivalents at end of period	30,809	16,711
Supplemental disclosures:
Interest paid on deposits and borrowed funds	832	1,020
Income taxes paid	0	568
Noncash investing and financing activities:
Transfer of loans to real estate owned	0	0
Increase (decrease) in unrealized gain (loss) on securities available for sale	$ (28)	$ 568